What is a car accident claim worth in Maine?
Every rule below is quoted from Maine law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Maine, and the Maine rules that raise or lower what you collect. $25,769 was the average injury claim paid in Maine in 2022.
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Nothing you pick is sent anywhere or saved. The answer appears on this page.
Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Maine law on this site, each with a link.
What claims paid in Maine
Injury claims in Maine averaged $25,769 each in 2022.
Car and property damage claims averaged $5,398.
| Injury claim paid by the at fault driver's insurance | $25,769 |
|---|---|
| Car and property damage | $5,398 |
| Medical payments coverage, paid by your own policy | $3,203 |
| Collision coverage, paid by your own policy | $5,816 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Maine
If you were partly at fault
Maine uses modified comparative fault with a 50 percent bar. You can recover damages only if you are less at fault than the other driver. If the jury finds you equally at fault or more at fault, you get nothing.
“If such claimant is found by the jury to be equally at fault, the claimant may not recover.”
The other driver's policy limit is the ceiling
Maine drivers must carry at least $50,000 in liability coverage per person, $100,000 per crash, and $25,000 for property damage.
“For injury to or death of any one person, $50,000”
If the other driver has no insurance
Maine requires uninsured and underinsured motorist coverage equal to your liability limits, unless you reject that equal amount in writing.
“the amount of coverage to be so provided may not be less than the amount of coverage for liability for bodily injury or death...unless the purchaser expressly rejects such an amount”
The deadline that ends the claim
You have 6 years to sue for injuries from a car crash in Maine.
“All civil actions shall be commenced within 6 years after the cause of action accrues and not afterwards”
What a lawyer takes if you hire one
A contingency fee agreement in Maine must be in writing, signed by the client, and state how the fee is calculated.
“A fee may be contingent on the outcome of the matter for which the service is rendered, except in a matter in which a contingent fee is prohibited by paragraph (d) or other law.”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.